The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$9,070
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,353
−HK$286/mo
Today · 4.125%
HK$9,639
baseline
▲ 0.50% · 4.625%
HK$10,226
+HK$587/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,278/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,091
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,361
−HK$275/mo
Today · 4.125%
HK$10,636
baseline
▲ 0.50% · 4.625%
HK$11,196
+HK$560/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,272/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,884
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,223
−HK$344/mo
Today · 4.125%
HK$11,567
baseline
▲ 0.50% · 4.625%
HK$12,271
+HK$704/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,134/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,109
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,434
−HK$329/mo
Today · 4.125%
HK$12,763
baseline
▲ 0.50% · 4.625%
HK$13,436
+HK$673/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,526/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,699
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,094
−HK$401/mo
Today · 4.125%
HK$13,495
baseline
▲ 0.50% · 4.625%
HK$14,316
+HK$821/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,990/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,127
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,506
−HK$384/mo
Today · 4.125%
HK$14,890
baseline
▲ 0.50% · 4.625%
HK$15,675
+HK$785/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,780/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,327
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,835
−HK$515/mo
Today · 4.125%
HK$17,350
baseline
▲ 0.50% · 4.625%
HK$18,406
+HK$1,056/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,700/mo (50% DSR)
Upfront cash ≈ HK$398K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,163
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,650
−HK$495/mo
Today · 4.125%
HK$19,145
baseline
▲ 0.50% · 4.625%
HK$20,154
+HK$1,009/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,290/mo (50% DSR)
Upfront cash ≈ HK$398K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).